In The Meantime: Coping Without Workers' Comp Benefits
It's not the way things are supposed to work. When you are injured on the job, your employer's insurance coverage is supposed to kick in and pay for your medical bills, a partial wage, and more if your injury is permanent. Too many times, though, hurt workers are left injured, unable to work, and with no income or benefits. To learn how to cope with situations like that, read on.
Get Medical Treatment
Even if your claim for workers' comp benefits has been denied or you are having other problems with your coverage, see a doctor. It's vital, both for your health and for your workers' compensation case, that you consult with a doctor and follow their advice. When you are seen, be sure to let your doctor know that you are being seen for a work-related injury or illness. They will automatically bill your treatment to the workers' comp insurer and place a medical lien on any future workers' comp payments. Likewise, your health insurance may be used for the time being, and then they will seek reimbursement from the worker's comp insurer for your care. If you qualify, apply for Medicare or Medicaid coverage along with Social Security Disability Insurance (SSDI) as well.
Apply for Unemployment
State laws vary, but some people may qualify for unemployment benefits. Be sure to act fast since benefits can take a long time to begin. Don't be surprised, however, if the state collects funds from any workers' comp payments you do eventually receive.
Consider a Loan
Settlement loans are available to hurt workers in some situations. These loans are based on the potential for the hurt worker to be paid a lump-sum settlement for a serious and permanent injury. Not all hurt workers will qualify for such a loan, but those who do qualify don't have to worry about paying the loan back unless they are offered a settlement from the workers' compensation insurer.
Learn About Your Rights
Some workers are naturally occupied with trying to heal from their injuries or illness and may not realize that they have certain rights. For example, if you disagree with a workers' comp ruling, you may have rights to an appeals process or other remedies. Most hurt workers are unable to cope with the complex world of workers' comp law and regulations, and that is why some call upon a lawyer. Workers' comp lawyers understand how workers can get their claims back on track, how to ask for reconsiderations and appeals, and how to negotiate a settlement that covers the hurt worker for life. When things go wrong with your claim, speak to a workers' compensation lawyer and get help.